First American Bank and Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
37th13.0% deniedProcesswithdrawn + incomplete share, weight 15%
54th10.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 569 | 399 | 19.0% | 20.5% | 6.95% | $115M |
| 2024 | 685 | 486 | 15.5% | 17.1% | 7.60% | $89M |
| 2025 | 646 | 482 | 11.6% | 13.0% | — | $87M |
What First American Bank and Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 9 manufactured homes, 200 investment properties.
Who gets approved at First American Bank and Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 56 | 35 | 29.4% |
| $50k – $100k | 112 | 75 | 20.8% |
| $100k – $150k | 95 | 70 | 12.8% |
| $150k – $250k | 138 | 112 | 9.5% |
| Over $250k | 73 | 62 | 4.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 56 | 43 | 10.0% |
| 35–44 | 100 | 80 | 12.8% |
| 45–54 | 129 | 88 | 19.8% |
| 55–64 | 109 | 85 | 13.7% |
| 65–74 | 57 | 45 | 9.8% |
| Over 74 | 23 | 16 | 9.5% |
Where First American Bank and Trust lends
1 states and 23 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Louisiana | 646 | 482 | 11.6% | — | #47 |
Frequently asked questions
First American Bank and Trust denied 13.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 37th percentile of small mortgage lenders.
In 2025, 33% of its applications were for home purchases, 37% for refinancing (including cash-out), and 30% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.